Home insurance is of vital importance in California, an area beset by both natural and man-made risks. The industry offers complex, diverse solutions to homeowners, catering to typical threats like burglary, accidental damage to the home, and more specific regional issues such as earthquakes and wildfires. It's a domain populated by companies of all sizes, from large-scale, household names backed by robust infrastructure and extensive histories, to smaller, newer entities looking to disrupt with innovative approaches and personalized service. As we face a future that promises increased climatic uncertainty, the importance and growth potential of the home insurance industry in California is undeniable.


Top 24 home insurance companies in California

1. Farmers Insurance

  • Website: farmers.com
  • Headquarters: Woodland Hills, California, United States
  • Founded: 1928
  • Headcount: 10001+
  • LinkedIn

Farmers.com offers a range of insurance products including homeowners, condo, mobile & manufactured, commercial property, and specialty home insurance. They aim to protect what matters most to their customers and provide coverage for various types of properties and risks.


2. Inszone Insurance Services

  • Website: inszoneinsurance.com
  • Headquarters: Rancho Cordova, California, United States
  • Founded: 2002
  • Headcount: 51-200
  • Latest funding type: Private Equity
  • LinkedIn

Inszone Insurance offers a wide range of personal and business insurance services. With a team of knowledgeable agents and partnerships with trusted carriers, they provide coverage for home, auto, health, and commercial properties. Their services include general liability insurance, workers' compensation, property insurance, and more. They stand out for their exceptional customer service and personalized approach to insurance solutions.


3. California FAIR Plan Association

  • Website: cfpnet.com
  • Headquarters: Los Angeles, California, United States
  • Founded: 1968
  • Headcount: 51-200
  • LinkedIn

CFPNET offers tailored insurance policies for basic fire coverage and supplemental coverage for Californians when traditional carriers are not available. They also provide earthquake coverage for residential properties and personal property through the California Earthquake Authority. Customers can work with brokers to find appropriate coverage and report claims. They offer policies for dwelling, commercial, and difference in conditions coverage. CFPNET aims to ensure that all California property owners have access to essential insurance.


4. Nadler Insurance, Inc.

Nadler Insurance is an insurance company specializing in providing a wide range of insurance coverages, including home, auto, renters, personal umbrella, restaurant, investment property, and business insurance.


5. B.H. Gold Insurance Agency, Inc.

  • Website: bhgold.com
  • Headquarters: San Diego, California, United States
  • Founded: 1986
  • Headcount: 11-50
  • LinkedIn

B.H. Gold Insurance Agency offers personalized insurance solutions to protect individuals and businesses. With a focus on customer service, they provide coverage for homes, rental properties, automobiles, and life insurance. Their financial expertise helps businesses better manage their expenses and budget effectively. Locally owned, they partner with companies offering regional and national coverage. Their goal is to provide peace of mind and comprehensive protection to their customers.


6. Micheletti Insurance Services

Micheletti Insurance Services offers comprehensive insurance solutions for businesses and individuals. They provide coverage for employee dishonesty, forgery, theft, and more. They also offer commercial umbrella policies to extend coverage over general liability, workers' compensation, and directors and officers liability. Their high net worth insurance, general liability insurance, and workers' compensation insurance ensure that businesses are well protected. They also specialize in personal insurance such as home insurance, auto insurance, and individual life insurance.


7. Kelly Miller Insurance Associates

Kelly Miller Insurance offers tailored coverage plans from top insurers for businesses and individuals. They specialize in a wide range of insurance types, including home, property, health, vehicle, recreational, and industry-specific coverage. With a focus on customer needs and budget, they provide comprehensive protection for unique business challenges.


8. Next Insurance

  • Website: nextinsurance.com
  • Headquarters: Palo Alto, California, United States
  • Founded: 2016
  • Headcount: 501-1000
  • Latest funding type: Series E
  • LinkedIn

NEXT Insurance offers small business insurance to a variety of industries, including Amazon sellers, architects, auto services, beauty, cleaning, construction, consulting, contractors, education, entertainment, fitness, financial services, food and beverage, insurance professionals, legal services, pet care, real estate, retail, and therapy.


9. Armstrong & Associates Insurance Services

Armstrong & Associates Insurance Services is a professional insurance agency that provides coverage for businesses and individuals. They offer health insurance, commercial property insurance, landlord insurance, boat and watercraft insurance, and more. With offices in Woodland and Fresno, California, they are committed to protecting their clients' interests and providing excellent service.


10. Gaspar Insurance Services, Inc.

Gaspar Insurance is an insurance company that provides personalized insurance solutions for individuals and businesses. They offer a range of insurance products including auto, home, renters, umbrella insurance, and more, with a focus on protecting the family and assets of their clients.


11. CF&P Insurance Brokers

CF&P Insurance Brokers is a family-owned, independent insurance agency that has been providing quality insurance to customers since 1937. They offer comprehensive commercial insurance coverage, personal insurance for individuals, and personal liability insurance. Their expertise helps clients stay on top of changes in the insurance industry and manage risk effectively.


12. Coastal States Insurance

Coastal States Insurance Services is a professional insurance provider offering a wide range of coverage options including Home & Auto Insurance, Business Insurance, and Health Insurance. With a team of experienced agents, they ensure their customers receive personalized solutions to meet their specific needs.


13. McDermottCosta

McDermottCosta Insurance is an insurance brokerage company that provides insurance protection for individuals, businesses, and organizations. With over 80 years of experience, they specialize in offering comprehensive insurance coverage to protect property, businesses, employees, and personal belongings. McDermottCosta aims to take the worry out of life by providing trusted advice and reliable insurance solutions.


14. Don Ramatici Insurance Inc

Ramatici Insurance is a specialized insurance agency offering commercial, farm, and workers comp insurance in Petaluma, CA. We have been serving individuals, families, and businesses with comprehensive and cost-effective insurance solutions for almost 50 years.


15. Post Insurance Services, Inc.

Post Insurance Services is a trusted insurance agency founded in 1954. We offer comprehensive protection and coverage for individuals, families, and businesses. With access to products from over 50 top insurance companies, we provide the most up-to-date insurance solutions. Our expertise extends to various sectors including construction, IT, life sciences, and more.


16. Vega Insurance

Vega Insurance Agency is a business insurance provider based in Tampa, Florida. They offer a range of commercial insurance coverages, including trucking, commercial auto, general liability, business owners policy (BOP), and commercial property. With a dedicated team and partner companies, they provide comprehensive insurance solutions for businesses in the Tampa area.


17. Adams Insurance

Lomarica Insurance is an insurance agency based in Loma Rica, CA, offering a wide range of insurance products including home, auto, business, farm, and ranch insurance. We work with multiple carriers to find the best rates for our customers.


18. Selvin Wraith Halman LLP

Selvin Wraith Halman LLP is a law firm specializing in errors & omissions insurance and bad faith litigation. They offer legal expertise and expert testimony for liability and property insurance cases.


19. JVRC Insurance Services

JVRC Insurance Services is a business insurance agency offering insurance solutions to all business types in California and Florida. They provide a full line of insurance services, including policy services, claims, and audits. They specialize in liability insurance and professional liability insurance for businesses in California.


20. PIASC Insurance Services, Inc

  • Website: piascins.com
  • Headquarters: Los Angeles, California, United States
  • Founded: 1998
  • Headcount: 11-50
  • LinkedIn

PIASC Insurance Services is an insurance division of the Printing Industries Association of Southern California. With over 25 years of experience, they offer highly personalized insurance solutions tailored to protect businesses, property, and profits. Their expertise lies in managing risk, providing tailored solutions, and offering fast, responsive customer service. They serve a diverse range of industries and have a strong focus on building long-lasting connections with their clients.


21. CDS Insurance Services

CDS Insurance is a commercial insurance agency that offers a wide range of property, casualty, and employee benefits coverage solutions. They provide customized and affordable insurance plans for businesses of any size, as well as personal insurance plans for individuals and families.


22. Baxter Insurance

Baxter Insurance is a reputable insurance agency providing comprehensive and affordable coverage for home, car, and income property needs. With a dedicated team of knowledgeable professionals, they prioritize customer satisfaction and ensure the best possible insurance solutions.


23. CalNonprofits Insurance Services

CalNonprofits Insurance Services offers a range of insurance programs and employee benefits for nonprofit organizations. They provide solutions for property and casualty coverage, as well as medical, vision, and dental benefits. Their on-demand insurance programs and exclusive client benefits make them a trusted partner for nonprofit insurance needs.


24. InsureHopper

InsureHopper is an insurance agency providing various coverage options for personal, commercial, and specialty vehicle types. The agency connects customers with licensed insurance agents to receive insurance quotes and coverage information.


Want to find more home insurance companies?


If you want to find more companies that offer comprehensive coverage for various properties and potential risks you can do so with Inven. This list was built with Inven and there are hundreds of companies like these globally.


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  • Ownership: Which of these are private equity backed? Which are family-owned?
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...and a lot more!